Ryan P Page, Staff Writer
@ryan_page
The Target Card return policy gives you 30 extra days to return most items purchased with the card at a Target store or on Target.com. This is in addition to the 90 days that Target already gives you to return most unopened products for a refund or an exchange.
However, even with a Target Credit Card, there are some items that can’t be returned. Examples include gift cards and digital downloads
Using your Target Credit Card is a great way to shop at Target, not just because of its return policy but because it offers a 5% discount on Target purchases, with a $0 annual fee. Also, you only need to have fair credit to get approved.
You can read over WalletHub’s full Target Credit Card review to get a complete breakdown of the card’s costs and benefits.
People also ask
What is the Target Credit Card credit score requirement?
The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.
Here are the Target Credit Card requirements for approval:
- Minimum credit score: 640+ (at least fair)
- Age requirement: 18 years old
- Income requirement: Enough to afford monthly payments (wages, investments, etc.)
- Citizenship: Must be a U.S. citizen...
How Do Store Credit Cards Work?
Store credit cards work like regular consumer credit cards, meaning you can make purchases on the card and then you can either pay the full balance by the due date or carry it over time. The difference is that with a store credit card, you’re typically limited to purchases within a certain store (online and in person) or multiple stores affiliated with a particular brand.
The exceptions are store cards that belong to a particular network, such...
read full answer by Bogdan Roberts, Credit Cards ModeratorWhat stores offer store credit cards?
Major stores that offer store credit cards include Target, Walmart, Amazon, Home Depot, Best Buy, and Costco. Out of the top 25 retailers, 15 offer store credit cards, which can only be used at a particular store or group of affiliated retailers. Most store credit cards come with $0 annual fees, are available to people with fair credit or better, and offer exclusive discounts and rewards for cardholders.
Popular Store Credit Cards in 2026
... read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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